Real time bank-centric universal payment system

Number of patents in Portfolio can not be more than 2000

United States of America Patent

PATENT NO 5974146
SERIAL NO

08903102

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ATTORNEY / AGENT: (SPONSORED)

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Abstract

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An infrastructure for a real time bank-centric universal payment system in which a central processing unit (CPU) defines an electronic commerce trust system formed from a plurality of financial service provider members subscribing to a common standard having applicability throughout the infrastructure. The central processing unit is operatively interconnected to the correspondent processing units of financial service provider members that in turn are operatively interconnected through access mechanisms to a network of customers and goods and services providers who are account subscribers with the financial service provider member and subject to the common standard of the system. The CPU provides non-revocable real time debit and credit transactions and effects provider net settlement between and among members through a central exchange monetary system. Features of the infrastructure include an ECTS hot file, bill presentment and payment options and provider designed services that enhance brand identity.

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Patent Owner(s)

Patent OwnerAddressTotal Patents
DataTreasury CorporationPLANO, TX11
ENT. SERVICES DEVELOPMENT CORPORATION LPHOUSTON, TX149

International Classification(s)

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Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Bartlett, Rick Saratoga, CA 2 391
Ercole, Richard Westerville, OH 2 391
Fontana, Fabio Mountain View, CA 5 402
Fredelake, Jodie M Columbus, OH 2 391
Geer, Terry L Pickerington, OH 7 1135
James, David L Dublin, OH 9 730
Lampru, Paul Roswell, GA 2 391
Murphy, Robert W Layfayette, CA 9 529
Randle, William Bexley, OH 2 391
Roman, Dennis Novato, CA 2 391
Rosenberg, Ruth Layfayette, CA 4 485
Tran, Tuong T Mountain View, CA 2 391

Cited Art Landscape

Patent Info (Count) # Cites Year
 
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* Cited By Examiner

Patent Citation Ranking

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Patent Info (Count) # Cites Year
 
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7587342 Method for requesting and receiving an online payment through a payment enabler system 12 2006
* 7941664 Account-based digital signature (ABDS) system using biometrics 7 2006
* 2007/0088,950 ACCOUNT-BASED DIGITAL SIGNATURE (ABDS) SYSTEM USING BIOMETRICS 38 2006
7797235 On-line cash register to use in providing a consumer-to-consumer payment service 1 2007
7765148 Method and system for facilitating payment of an online auction transaction 37 2007
* 2007/0143,209 Method and System For Facilitating Financial Transactions Over the Internet Using Registered Financial Instruments 9 2007
* 2007/0136,192 Method and system for facilitating payment of an online auction transaction 7 2007
* 2007/0136,189 On-line cash register for use in providing a consumer-to-consumer payment service 12 2007
7783571 ATM system for receiving cash deposits from non-networked clients 49 2007
7610222 Method for providing a money transfer service through a payment enabler system 22 2007
* 8788429 Secure transaction management 13 2009
* 2011/0161,233 SECURE TRANSACTION MANAGEMENT 38 2009
 
Biometric Payment Solutions (5)
* 7231068 Electronic transaction verification system 21 2004
* 2004/0234,117 Electronic transaction verification system 13 2004
8678273 Electronic transaction verification system 5 2008
8485442 Electronic transaction verification system with biometric authentication 13 2009
9141951 Electronic transaction verification system with biometric authentication 1 2013
 
INTEL CORPORATION (1)
* 7024377 Method and apparatus for managing electronic commerce 4 2000
 
LVWA, LLC (2)
* 2002/0082,962 Value transfer system for unbanked customers 100 2001
* 2002/0097,715 Message format for communicating financial information 13 2001
 
Currenex, Inc. (1)
* 2002/0174,066 Method and apparatus for automating the process of settling financial transactions 21 2002
 
STANDARD CHARTERED (CT) PLC (1)
* 2006/0277,143 SYSTEM AND METHOD FOR FACILITATING ELECTRONIC TRANSFER OF FUNDS 10 2006
 
ADVANCE TECH INTERNATIONAL LIMITED (1)
* 2002/0073,027 Mobile payment system 39 2000
 
SKYDECK CORPORATION (1)
7971699 Coin counter/sorter and coupon/voucher dispensing machine and method 11 2006
 
CARDPOOL, INC. (3)
8024272 Methods and systems for exchanging/transferring gift cards 26 2010
8229851 Methods and systems for exchanging/transferring gift cards 29 2011
9064268 Gift card exchange kiosks and associated methods of use 2 2011
 
ACCENTURE GLOBAL SERVICES GMBH (1)
* 2005/0131,780 Computer system for managing accounting data 41 2005
 
Visa U.S.A. Inc. (8)
7822679 Method and system for conducting a commercial transaction between a buyer and a seller 6 2001
8190530 Method and system for providing multiple services via a point-of-sale portal architecture 6 2002
7280981 Method and system for facilitating payment transactions using access devices 66 2002
9269082 Method and system for providing multiple services via a point-of-sale portal architecture 0 2006
7571141 Method and system for facilitating payment transactions using access devices 9 2007
8010453 Method and system for facilitating payment transactions using access devices 1 2007
7711621 Method and system for facilitating payment transactions using access devices 22 2007
8924299 Method and system for facilitating payment transactions using access devices 0 2012
 
Softbankbb Corporation (8)
* 7657490 Electronic settlement system, settlement device, and terminal 13 1999
7571117 Electronic authentication system, authentication apparatus, and terminal 2 2000
7523067 Electronic settlement system, settlement apparatus, and terminal 80 2000
* 7448540 Electronic settlement system, settlement apparatus and terminal 5 2005
* 2005/0127,167 Electronic settlement system, settlement apparatus and terminal 4 2005
7457782 Electronic settlement system, settlement apparatus and terminal 7 2006
* 2006/0129,504 Electronic settlement system, settlement apparatus and terminal 7 2006
7865401 Electronic settlement system, settlement apparatus, and terminal 15 2007
 
Somatic Digital LLC (4)
* 2008/0027,750 System and method for digital rights management 26 2007
8001123 Open source publishing system and method 4 2007
* 2008/0140,610 System and method for repurposing printed content to interact with digital content 0 2007
* 2008/0091,716 Open source publishing system and method 2 2007
 
Paypal International Limited (2)
8301510 Electronic commerce for system registered consumers 12 2009
* 2009/0132,273 E-MAIL INVOKED ELECTRONIC COMMERCE 10 2009
 
PAYPAL, INC. (4)
* 6327578 Four-party credit/debit payment protocol 505 1998
7533064 E-mail invoked electronic commerce 53 1999
* 6701303 E-commerce system and method of operation enabling a user to conduct transactions with multiple retailers without certification and/or trusted electronic paths 43 1999
* RE40444 Four-party credit/debit payment protocol 31 2003
 
JPMORGAN CHASE BANK, N.A. (2)
8515868 Multiple account advanced payment card and method of routing card transactions 2 2011
8751383 Multiple account advanced payment card and method of routing card transactions 1 2013
 
DUN & BRADSTREET, INC. (1)
6950809 Facilitating a transaction in electronic commerce 14 2001
 
FEXCO MERCHANT SERVICES (1)
7458507 ATM machine and methods with currency conversion capabilities 41 2007
 
MICROSOFT TECHNOLOGY LICENSING, LLC (16)
* 6128603 Consumer-based system and method for managing and paying electronic billing statements 429 1997
6304857 Distributed electronic billing system with gateway interfacing biller and service center 145 1998
6968319 Electronic bill presentment and payment system with bill dispute capabilities 84 1999
7822683 System and method for secure third-party development and hosting within a financial services network 2 2000
* 2001/0032,181 System and method for secure third-party development and hosting within a financial services network 128 2000
* 2002/0065,772 System, method and program for network user access 31 2001
7516101 Electronic bill presentment and payment system with bill dispute capabilities 5 2004
7478066 Electronic bill presentment and payment system 25 2004
7620602 System and method for secure third-party development and hosting within a financial services network 5 2004
* 2005/0131,814 System and method for secure third-party development and hosting within a financial services network 3 2004
7636689 Consumer-based system and method for managing and paying electronic billing statements 6 2004
7610245 Consumer-based system and method for managing and paying electronic billing statements 8 2004
* 2005/0065,883 Consumer-based system and method for managing and paying electronic billing statements 5 2004
* 2005/0197,957 Parcel manager for distributed electronic billing system 20 2005
* 2005/0187,875 Parcel manager for distributed electronic billing system 0 2005
* 2011/0035,303 System and Method for Secure Third-Party Development and Hosting within a Financial Services Network 3 2010
 
CASHEDGE, INC. (8)
* 2003/0236,728 Method and apparatus for managing a financial transaction system 92 2003
* 2007/0100,748 Multi-channel transaction system for transferring assets between accounts at different financial institutions 77 2006
* 2008/0015,982 Funds transfer method and system including payment enabled invoices 24 2007
* 2008/0288,400 Centralized Payment Method and System for Online and Offline Transactions 20 2008
* 2008/0301,023 Multi-Channel and Cross-Channel Account Opening 11 2008
* 2010/0030,687 Real-Time Settlement of Financial Transactions Using Electronic Fund Transfer Networks 71 2009
* 2010/0042,539 Money Movement Network Hub System 6 2009
* 2010/0042,538 Money Movement Network Method 27 2009
 
BANK OF AMERICA CORPORATION (1)
* 2011/0166,989 OFFSETTING LIABILITIES AND ATTRIBUTING REWARDS 3 2010
 
RENSSELAER POLYTECHNIC INSTITUTE (2)
7177798 Natural language interface using constrained intermediate dictionary of results 174 2001
* 2002/0059,069 Natural language interface 32 2001
 
ConvergEx Group, LLC (4)
7769658 Commission management system 2 2009
* 2009/0216,670 COMMISSION MANAGEMENT SYSTEM 0 2009
8433629 Commission management system 2 2010
* 2011/0010,284 COMMISSION MANAGEMENT SYSTEM 0 2010
 
METAVANTE CORPORATION (13)
7945491 Integrated systems for electronic bill presentment and payment 7 2000
* 2002/0019,808 Integrated systems for electronic bill presentment and payment 64 2000
* 2001/0037,295 Push model internet bill presentment and payment system and method 108 2001
7734543 Electronic bill presentment and payment system 13 2001
* 2002/0002,536 Electronic bill presentment and payment system 52 2001
7370014 Electronic bill presentment and payment system that obtains user bill information from biller web sites 19 2001
8799157 Business combined bill management system and method 0 2002
8751384 Integrated bill presentment and payment system and method of operating the same 1 2002
* 2003/0233,317 Methods and systems for transferring funds 67 2002
7958049 System and method for obtaining customer bill information and facilitating bill payment at biller websites 19 2003
* 2004/0210,520 Bill payment payee information management system and method 23 2003
* 2003/0191,711 System and method for obtaining customer bill information and facilitating bill payment at biller websites 106 2003
* 2004/0215,560 Integrated payment system and method 78 2003
 
EFUNDS CORPORATION (2)
* 2003/0050,892 Electronic point-of-sale check processing method and system 17 2001
* 2003/0061,171 System for and method of effecting an electronic transaction 57 2002
 
PRECASH, INC. (4)
8086530 Electronic payment system utilizing intermediary account 7 2000
* 2001/0001,321 Electronic payment system utilizing intermediary account 66 2000
* 2007/0150,414 System and method for facilitating payment transactions 8 2007
* 2011/0029,434 SYSTEM AND METHOD FOR FACILITATING PAYMENT TRANSACTIONS 1 2010
 
STANDARD CHARTERED UK HOLDINGS LIMITED (2)
7110980 System and method for facilitating electronic transfer of funds 3 2003
* 2003/0236,726 System and method for facilitating electronic transfer of funds 5 2003
 
Viewpointe Clearing, Settlement & Association Services, LLC (3)
* 7725389 Clearing house settlement system 3 2003
8364562 System, computer program and method for processing presentment and adjustment information to institutions participating in a regional or national clearing house 0 2008
* 2008/0319,880 SYSTEM, COMPUTER PROGRAM AND METHOD FOR PROCESSING PRESENTMENT AND ADJUSTMENT INFORMATION TO INSTITUTIONS PARTICIPATING IN A REGIONAL OR NATIONAL CLEARING HOUSE 1 2008
 
MOBILASTIC TECHNOLOGIES PTE LTD (1)
* 2004/0104,097 Secure transfer of digital tokens 11 2003
 
CASH EDGE, INC. (1)
* 2008/0208,737 Funds Transfer Method and Apparatus 5 2008
 
CC SERVE CORPORATION (3)
7676395 On-us cash withdrawal at a point-of-sale 0 2005
7676415 On-us cash withdrawal at a point-of-sale 0 2007
* 2008/0120,233 On-us cash withdrawal at a point-of-sale 3 2007
 
ALCATEL LUCENT (4)
* 9363100 Access system and network architecture with access system 0 2008
* 2009/0043,894 ACCESS SYSTEM AND NETWORK ARCHITECTURE WITH ACCESS SYSTEM 2 2008
* 7948377 Smart mediation and reaction system for protecting interdependent critical infrastructures 2 2008
* 2009/0079,562 SMART MEDIATION AND REACTION SYSTEM FOR PROTECTING INTERDEPENDENT CRITICAL INFRASTRUCTURES 1 2008
 
III HOLDINGS 1, LLC (2)
7021532 Transaction authorization system and method 8 2004
* 2005/0269,398 TRANSACTION AUTHORIZATION SYSTEM AND METHOD 6 2004
 
COINSTAR, LLC (6)
7131580 Coin counter and voucher dispensing machine and method 53 2005
7464802 Method and apparatus for conditioning coins prior to discrimination 32 2006
7303119 Coin counter and voucher dispensing machine and method 53 2006
7520374 Coin discrimination apparatus and method 47 2007
7527193 Coin counter and voucher dispensing machine and method 17 2007
7874478 Coin counter and voucher dispensing machine and method 48 2009
 
C HECKFREE CORPORATION (1)
* 2006/0184,451 Integrated electronic presentment and payment of bills by different entities 8 2005
 
COMPUCREDIT (1)
* 2007/0007,333 On-us cash withdrawal at a point-of-sale 16 2005
 
EARTHLINK BUSINESS, LLC (3)
* 8095624 Architecture for serving and managing independent access devices 1 2000
* 2002/0087,670 Architecture for serving and managing independent access devices 7 2000
9461892 System and method for serving and managing independent access devices 0 2015
 
Brink's Network, Inc. (7)
* 2011/0035,316 PROCESS OF AND SYSTEM FOR ADVANCING CREDIT FOR CASH COLLECTIONS 50 2007
* 2009/0006,249 PROCESS OF AND SYSTEM FOR ADVANCING CREDIT FOR CASH COLLECTIONS 19 2007
8844804 Process of and system for facilitating cash collections deposits and deposit tracking 1 2008
* 2011/0031,306 PROCESS OF AND SYSTEM FOR FACILITATING CASH COLLECTIONS DEPOSITS AND DEPOSIT TRACKING 1 2008
* 2009/0032,580 PROCESS OF AND SYSTEM FOR FACILITATING CASH COLLECTIONS DEPOSITS AND DEPOSIT TRACKING 18 2008
* 2009/0222,381 PROCESS OF AND SYSTEM FOR FACILITATING CHECK PROCESSING AT POINT OF SALE AND ACCELERATED CREDIT FOR CHECK TRANSACTIONS 3 2009
9495705 Process of and system for facilitating cash collections deposits and deposit tracking 0 2014
 
RPX CORPORATION (3)
7587368 Information record infrastructure, system and method 140 2001
8904181 System and method for secure three-party communications 21 2012
9419951 System and method for secure three-party communications 0 2014
 
FIRST DATA MERCHANT SERVICES (1)
7219832 ATM machine and methods with currency conversion capabilities 11 2005
 
MONEYGRAM INTERNATIONAL, INC. (2)
* 2013/0325,720 GLOBAL COMPLIANCE PROCESSING SYSTEM FOR A MONEY TRANSFER SYSTEM 2 2013
9751006 Promotion generation engine for a money transfer system 0 2014
 
REGULATORY DATACORP, INC. (10)
8140415 Automated global risk management 9 2001
* 2002/0138,407 Automated global risk management 37 2001
* 7899722 Correspondent bank registry 6 2002
8209246 Proprietary risk management clearinghouse 4 2003
8121937 Gaming industry risk management clearinghouse 0 2003
8996481 Method, system, apparatus, program code and means for identifying and extracting information 0 2004
8762191 Systems, methods, apparatus, and schema for storing, managing and retrieving information 2 2004
8843411 Gaming industry risk management clearinghouse 0 2012
9063985 Method, system, apparatus, program code and means for determining a redundancy of information 0 2013
9058581 Systems and methods for managing information associated with legal, compliance and regulatory risk 0 2013
* Cited By Examiner